FexFund Announces New Investment Plan.
FexFund (reviewed here) just announced a new investment plan. They call it the “Superior” plan and that’s what it is if you compare earnings from this plan with those of the existing FexFund plans. You may recall that FexFund has three other investment plans. All of them return your principal with your earnings. However, the first plan, the “Starter” plan, returns your earnings and principal as a lump sum at the end of the one week plan. The other two, the Medium and Investor plans, return your principal and earnings on a daily basis over the terms of the plans. In a separate article to follow this one, I am going to make a quick analysis of the new plan and compare it to the two existing daily plans — so that you will understand how much more profitable it is. Following is the FexFund announcement…
Dear Investors,
For the requests from many serious investors, we have decided to add one more plan to our offer. It’s called Superior program, and it pays 4% daily for 60 days, so net income on that is 140%. We’ve also decided to lower maximum amounts for the Starter plan.
We did all that changes because we have to aim long term with our deals on the crypto market. With Starter plan we had the minimal amount of time to work out the income for the investors, and with the markets being in “red” for the most of the time, it was quite difficult.
We will update you on that tomorrow in our newsletter, the 70 days one 🙂
George
Analysis of New FexFund Investment Plan.
On the home page of the FexFund website, there is a very nice summary of the four FexFund investment plans. I am going to repeat that summary information here for the three plans that pay interest on a daily basis. But, I will also add an additional quantity to it — daily net interest rate (DNI). The last plan on the list is the new plan announced above, the “Superior” plan. After we have all this information in front of us, I will explain how I calculated the DNI. Finally, I will compare the merits of the three plans.
Medium. 6% for 20 days
120% gross profit
20% net profit
DNI = 1%
$25 – $5,000
Investor. 5% for 30 days
150% gross profit
50% net profit
DNI = 1.67%
$50 – $50,000
Superior. 4% for 60 days
240% gross profit
140% net profit
DNI = 2.33%
$500 – $100,000
As we have discussed in many different articles and reviews that appear in the Emily News Blog, the most important quantity to look at when comparing investment plans having both different terms and interest rates is something we call “daily net interest” rate or DNI for short. For example, if you take a look at the three investment plans listed above, you might be tempted to say that the Medium plan is the most profitable because it offers the highest gross daily interest rate. On the other hand, you might say that the Superior plan is the best because you are receiving your interest over a longer time period.
DNI provides a very precise way to sort through all this. It is an EQUIVALENT net interest rate which, when paid every day of the plan, will give you the total net earnings of the plan. The reason this quantity if so important is that it is a measure of the PURE PROFIT of an investment plan that you can put in your pocket every day. The Medium FexFund plan pays you 6% GROSS profit every day. However, this is not PURE profit as it includes a part of your investment earnings. PURE profit or net profit is what you earn in addition to your investment.
The concept of daily net interest (DNI) is Emily News’ contribution to the terminology of HYIP investment plan terminology! You will notice that HYIPs never give values for this quantity. I suspect that Admins prefer to leave investors a little bit in the dark on this issue. If the DNIs of all their investment plans are given, it immediately becomes clear which is the most profitable. Who would put their money into a less profitable investment plan? Of course, there are other factors beside profitability to consider when choosing an investment plan. We will also discuss these when we take a look at the three FexFund plans.
With all this as an introduction, how do we compute DNI? It’s extremely simple. You just divide the total net interest for an investment plan by the number of days in the plan. For example, in the new Superior plan, this comes to 2.33% (140/60). Once again, this is not the actual rate that you receive; you receive 4% per day. However, the 4% includes your deposit. DNI gets rid of this and only relates to PURE profit.
OK, now compare the DNIs for the three investment plans. There is no comparison! The DNI for the Superior plan is 133% ([2.33-1]/1 x100) higher than that for the Medium plan. Remember that if something is 100% higher, it is twice as high. So, the Superior plan is more than twice as profitable as the Medium plan. It is also around 40% ([2.33-1.67]/1.67 x 100) higher than the Investor plan. So, when it comes to profitability, I know where I’ll put my money!
But there are other factors to consider. One is the length of an investment plan. For example, the Superior plan is three times as long as the Medium plan. Do you want to put your money at risk for this long? Related to this, The DNI of the Superior plan is quite high. 2.33% per day comes to over 16% per week or around 70% per month (that checks with the total net interest of 140% for the investment plan term of 60 days). If you refer back to the HYIP Insights #12 (that you can read here) on an “Investment Formula,” this DNI is in the “high” range and it is in this range that you might start to get nervous about the sustainability of a program. It doesn’t matter if you limit your own personal investments to a lower interest plan. The fact that there might be others getting paid at a higher (and maybe unsustainable) rate will put the entire program in jeopardy.
Well, this is more than enough for a “news” article. I hope it’s helpful to you in deciding how to handle this new investment plan from FexFund.
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